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Winnebago County Schools

Rockford, IL · Charter 65335

Q3 2014

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2014, the quarter ended September 30, 2014, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Winnebago County Schools

Rockford, IL · Charter 65335

Q3 2014

$13.6MAssets
$2.2MLoans
$12.7MShares
$852KNet Worth

Executive Summary

  • Earnings: ROA of -0.33%, up 34 bps year over year; NIM at 1.88%.
  • Asset quality: problem loans at 0.48% of loans (-57 bps YoY).
  • Capital: net worth / assets of 6.25%, up 1 bps from a year ago.
  • Funding: loans stand at 17.26% of shares as of Q3 2014.

Return on Assets (YTD, annualized)

-0.33%+34 bps YoY

Net Interest Margin (YTD, annualized)

1.88%-2 bps YoY

Efficiency Ratio (YTD, annualized)

112.48%-1,366 bps YoY

Net Worth / Assets

6.25%+1 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2012Q1 2013Q2 2013Q3 2013Q4 2013Q1 2014Q2 2014Q3 2014YoY ΔTrend
Earnings
Return on Assets-0.07%-0.50%-0.67%-0.67%-0.66%-0.41%-0.44%-0.33%+34 bps
Return on Equity-1.06%-8.02%-10.89%-10.72%-10.43%-6.64%-7.06%-5.29%+543 bps
Net Interest Margin2.01%1.77%1.82%1.90%1.98%1.87%1.86%1.88%-2 bps
Efficiency Ratio110.67%120.94%127.72%126.14%124.77%116.01%116.56%112.48%-1,366 bps
Growth
Asset Growth (YoY)-1.03%-2.75%-0.77%-1.39%-6.31%-9.03%-7.79%-6.12%-472 bps
Loan Growth (YoY)-16.47%-10.70%-11.02%-8.29%-2.89%-5.81%-4.08%0.09%+838 bps
Share Growth (YoY)-1.00%-2.86%-0.49%-1.06%-6.15%-8.94%-7.78%-6.09%-503 bps
Asset Quality
Delinquent Loans / Loans0.10%1.12%0.31%1.05%1.00%0.74%0.82%0.48%-57 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans2.34%2.48%2.43%2.38%2.64%2.18%2.05%1.82%-56 bps
Capital
Risk-Based Capital6.58%6.23%6.19%6.24%6.36%6.22%6.19%6.25%+1 bps
Net Worth / Assets6.58%6.23%6.19%6.24%6.36%6.22%6.19%6.25%+1 bps
Liquidity & Funding
Loans / Shares16.37%15.07%15.29%16.20%16.94%15.58%15.90%17.26%+107 bps
Liquid Assets / Assets0.00%96.69%0.00%0.00%0.00%0.00%0.00%0.00%0 bps